Local San Luis Obispo, California insurance coverage that fits your family & business needs, with a team that knows your name.
Home, wildfire, and earthquake insurance in San Luis Obispo, California
San Luis Obispo sits halfway between Los Angeles and San Francisco along Highway 101. It is home to Cal Poly and Mission San Luis Obispo de Tolosa, and the surrounding Edna Valley and Paso Robles areas are known for their wineries.
Homeowners insurance on the Central Coast
Home values here are high, and many homes back up to open hillsides. Carriers look closely at brush clearance, roof type, and distance from wildland areas. We shop homeowners coverage across carriers and write high-value home coverage for larger properties.
Earthquake and flood coverage
The 2003 San Simeon earthquake damaged buildings across the county, and in January 2023 San Luis Obispo Creek flooded downtown streets and businesses. Neither earthquake nor flood is covered by a standard home policy, so we quote earthquake insurance and flood insurance separately.
Students, landlords, and businesses
With Cal Poly in town, we write renters insurance for students and landlord policies for rental owners. We also insure wineries, restaurants, and other local businesses, along with auto insurance.
Your insurance team for San Luis Obispo, California
We work with San Luis Obispo households and business owners, and also serve nearby Pismo Beach, Arroyo Grande, Morro Bay, Atascadero, and Paso Robles, along with communities across California.
Vehicle Insurance
Property Insurance
Personal Insurance
Insurance coverage for your business.
No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages.
Builders Risk
Covers buildings and structures under construction, providing protection against damage from fire, theft, vandalism, and certain weather events. It includes coverage for materials, equipment, and supplies on-site, in transit, or stored off-site, ensuring your construction project is safeguarded until completion.
Garage Keepers
Protects businesses against damage or theft of customers’ vehicles while in their care, custody, or control. This includes coverage for vehicles during service, repair, storage, or parking. It offers protection against fire, vandalism, collision, and theft, ensuring financial security for automotive businesses such as repair shops, body shops, and parking services.
We go beyond writing policies.
Established by Michael Urbano in 2010, Elye Insurance has belonged to the Mission Viejo community for more than two decades, guiding families, homeowners, and local businesses to the right protection for every stage of life.
We do more than sell policies; we build relationships. Our team takes time to learn your needs, your goals, and your story, so we can design insurance solutions that give you true peace of mind.
"Elye Insurance exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals."
Since 2010, we’ve committed ourselves to protecting families & businesses with tailored insurance solutions grounded in honesty, education, and care.
Michael Urbano
Founder, Elye Insurance
Elye Insurance
Your trusted insurance advisor in San Luis Obispo, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in San Luis Obispo, California.
